A lot of money transactions on the Internet today go through payment systems, so you have to start a profile in them. In general, it is very convenient, only beginners may have many different questions. In this article, we'll show you how to sign in to PayPal and briefly describe the main account features.
It's actually very easy to log in to your PayPal.com account. You only need to follow a few steps, which will take a couple of minutes:
So get in Personal Area PayPal is easy. Now it's worth talking about the possibilities of a PP wallet.
So, if we talk about the functionality, then the possibilities of PP users are somewhat limited. For example, WebMoney or QIWI clients can make transfers, pay for purchases and various services, and in PP there are two main types of transactions - transfers and payment for goods.
You can easily receive transfers to your account from other wallets, as well as transfer funds yourself. In general, the functionality of PayPal is quite enough to receive payment for certain services (sometimes it is indicated in the conditions that payment for work can only be transferred to this type of wallet). You can transfer money even to those users who do not have a wallet yet.
And, of course, there is the opportunity to make purchases. In any online store that supports payment via PayPal, you can choose this system and make a payment through the secure area of the site. to the system greatly simplifies the process.
In addition, you can make a payment using a special identifier through the system's website - if you doubt the integrity of the resource on which you have chosen the product. It is enough to enter a specific address or an identifier name, and then the site will tell you what to do and how.
As for the withdrawal of funds, it is best to use certified exchangers, which usually carry out this operation automatically.
Safe shopping on the Internet is almost impossible without using the PayPal payment system. Without your own PayPal account, you will not be able to make purchases or list your items for sale on the largest online auction eBay, and purchases in most major online stores in the USA, Europe and Asia will not be available to you. And to help you, we have written a small instruction for registering a paypal account in Russian.
Let's go to the link: www.paypal.com and get to the main page of PayPal. Paypal website will automatically open in Russian. No frightening English names, everything is in Russian, everything is clear. If paypal was unable to correctly detect your language, and you saw a foreign site, then simply switch to the Russian version by clicking on the flag in the lower right corner of the site and selecting the country you need (for example, Russia) on the page that opens.
Select the category of the registered PayPal account. At the very top of the page we find the link "
Open an account ».On the page that opens, we see a field for choosing the country of residence. By default, it will be "Russia". If necessary, select another country of residence.
Below we see two blocks with the names of the categories of the registered PayPal account: Private And Corporate, and under each of them a button "Open an account".
Let's take a closer look at what these categories are:
Personal - for individuals who buy and sell online. With this account, you can easily pay for your purchases on eBay and in online stores, as well as accept any payments via PayPal (only available for Russia). Registering an account, as well as using it, is free. When paying for purchases, PayPal commission is not charged to you (the commission is charged to the recipient Money)
Choose to register Personal account type. Click on the button "Open an account" in the corresponding block. Fill in the fields Country, email address (your email, which will later be your PayPal login) and password. The input page will open personal information.
The page for entering personal information will open.
We enter personal information. Everything is simple here - all fields are signed in Russian, and filling them out does not cause any difficulties. Be careful when entering personal information. All fields are required. All fields are filled in only in Cyrillic (Russian letters) and only the truth. No fictitious names and surnames, if you fill in someone else's or fictitious data, this will lead to an early blocking of your account.
We fill in the image and likeness, as in the sample in the screenshot.
1 - Citizenship. For example, Russia.
2, 3 and 4 - your surname, name and patronymic.
5 - Date of birth. To register an account, you must be at least 18 years old.
6 - Series and number of the passport. Yes, online anonymity is long gone, and to register in the payment system, you will have to provide real passport data. And for full verification, also upload a scan of the passport to the system (but that's later).
7 - SNILS number(small green piece of paper) or TIN (the field can be switched to enter TIN).
8 - Registration address, street, house and if there is an apartment(to receive parcels, the address is entered elsewhere) - enter your home address here.
9 - City - respectively, your city.
10 - District
11 - Index
12 - Phone number— here enter your phone number in international format. For example, +79123456789
13 -
put a checkbox (daw) so that your paypal account fills this computer, and does not ask you to enter your password again when making purchases in the future. Set or not - your choice.
14 -
Checkbox that you agree with the rules of the payment system.
15 - Complete registration.
After completing registration, confirming your phone number via SMS and email address (via letter), you can log into your account and set it up (enter data bank card to pay for purchases).
PayPal verification. Without verification, the possibilities of your PayPal account are limited. Therefore, we recommend that you go through PayPal verification after registration. After card verification, the account limit for sending money will increase, and the likelihood of blocking your account to verify and verify your identity will also decrease. Verification is carried out inside your personal PayPal account using the link
Check your account limitsLog in to your paypal account and click Add bank account or card
We fill in the data as they are indicated on the map. The security code (aka CVV code) is located on the back of the card, the last 3 digits.
Click "Link card" and the card is linked
But that is not all. Now you need to verify the card. To do this, in the list of cards (you can add several cards), select the one you need, and click "Confirm card"
To confirm, we will need to receive a PayPal code / Click "Get Code"
Code sent. A small amount has been deducted from the card, which will be returned later.
Everything, the process of registering the card and its verification is completed. You can start shopping!
For PayPal to work, you need
Yes, you can.
Question: "Can I accept payments to my Russian PayPal account for items I sell on eBay? »
Yes. Since October 2012, you can accept payment for sold lots, personal transfers are also accepted without problems. And you can even withdraw money through Russian banks to a bank account.
Good luck with your purchases!
Do you have any questions? Ask them directly in the topic. More information in
Using electronic currency is sometimes much more convenient than paying in cash or through a bank card. There are several major payment systems that are successfully used to make money transfers around the world. PayPal is considered the largest e-currency exchange platform, although for Russia this payment instrument is not available in full.
What is a Paypal account and how did it originate? The world's largest payment instrument appeared in 1998. The site was used to pay for purchases, so various online stores and individuals actively created accounts there. PayPal's strongest connection was established with the well-known eBay auction, so in 2002 this corporation bought the payment system. However, around 2014, eBay completely separated from the payment system, so today Paypal is an independent platform for making money transfers.
More than 179 million users are registered in the system, but it is not omnipotent, so there remains a part of fairly well-known online stores that do not work through PayPal. These include AliExpress And Amazon, where you can use WebMoney and many other types of transfers.
The system of online money transfers was closed for Russian users for quite a long time. Only in 2011, the corporation began to expand the boundaries of coverage, so it became possible to register and take active steps for the CIS countries, including Russia. And only by 2013 it became possible to make ruble transfers. However, ruble transactions are mainly used for transfers, since payment for store goods is made in foreign currency, which is converted at the internal rate of the payment instrument.
Slight difficulties may arise for sellers from Russia when working with electronic money. The withdrawal of funds was previously carried out only through US banks, but the situation is gradually changing, which leads to the regulation of the ratio of corporate accounts from Russia. It is possible to carry out any actions with electronic currency only after registration in the system.
The PayPal system has received approval from numerous users. This is due to the following factors that favorably distinguish the payment instrument from other ways of working with electronic money:
Using PayPal is quite simple, but there are some pitfalls that you should be aware of.
Registration with PayPal takes place on the corporation's website. Also, the opportunity to register appears when you try to pay for goods through this system in an online store that cooperates with the system. For initial registration, only an email is required. However, further the system prompts you to enter your personal data. Confirmation of personal data simplifies the work with electronic money.
When registering on the Paypal website, first of all, you need to select the type of account: for business or personal use. Later in the profile settings it will be possible to change the type of account, so the choice is not critical. Registration in both cases is free. Next, the registration of an individual will be considered.
After selecting the type of account, the visitor must fill in several required fields, including the field with email and password. The system has various restrictions, which will be discussed below, so at the stage of specifying an email address, you need to know a few nuances:
After the email is specified, the visitor will be prompted to fill out a form with personal data. The form is filled in Russian. It indicates citizenship, full name, date of birth, address, telephone number, as well as the series and number of the passport. All fields are mandatory. Passport data will be required in the future to link a bank card.
The phone number is required to protect the user from account hacking, since the login is exactly the same as the email address. In addition, if you lose your password from the system, you can restore access using mobile phone associated with the profile.
After filling in the data in the profile, an email will be sent to confirm registration. To do this, you just need to follow the link and log into your registered account using your login and password.
The system will prompt you to enter card details immediately after filling in the main fields. You will need to write down the card number, expiration date and 3 digits CVV2/CVC2. You can only link a personal card that is issued to the same person as the account. It is not necessary to link the card immediately upon registration. The visitor has the opportunity to get acquainted with the work of the site from the inside, and then perform the necessary manipulations to link the card.
To confirm the linking of the card, the system will withdraw $1-2 from the account, which, in the case of Russian citizens, will be transferred to the PayPal account. However, the card binding is finally confirmed only after the transaction code has been entered. For most bank card users, this data comes to a mobile phone or is displayed in a personal account on the bank's website. Multiple cards can be attached to one account.
After registration, the user can immediately perform actions with his PayPal account, however, there is a limit on the amount for daily transactions, as well as a monthly limit. Every day, a Russian citizen can receive or transfer an amount not exceeding 60 thousand rubles. The amount of all transactions per month is limited to 200 thousand rubles. Such a limit seriously limits the work with the system. However, this situation can be corrected after data confirmation.
The profile page has a tab "Check Limits". It indicates the exact amount set for the user on this moment and suggested ways to solve the problem. To do this, you can send a scan of your passport. Approximately the same requirements are set by other electronic payment systems.
Most transactions through PayPal are payment for purchases in online stores. Although the buyer does not pay a commission, there may be additional expenses on his part. Initially, a PayPal account is opened in national currency, only through certain time the user can add other types of currencies. The purchase of goods in foreign stores is paid in the currency of the receiving party, so rubles will be converted into dollars or another currency. The conversion is carried out in accordance with the internal rate of the system, which usually leads to an increase in the debiting of funds for payment. In addition, the conversion is carried out on a paid basis. The commission for this service is 4%, which is paid by either the seller or the buyer.
It is better to convert funds directly to a bank account. And when using foreign currency bank cards, you must disable their conversion, otherwise the money will first be transferred by the bank into rubles, and then by the PayPal system into the desired currency.
A commission of 4-5% is charged when making transfers to friends and relatives in Russia and abroad. However, interest is charged only when using a bank card for transfer, therefore, to reduce costs, it is necessary to transfer funds using a bank account, which is additionally linked to the account.
PayPal is convenient way money transfer, which provides protection for the buyer when paying for goods in online stores. You can find out the list of stores that cooperate with this payment instrument directly on the Paypal website. Some stores provide an additional discount when paying with this e-currency.
Making a purchase with PayPal payment is very easy. In a store that supports this payment method, the usual steps for a purchase are performed: the product you like is added to the basket and an order is placed. PayPal must be specified in the payment method (it will be in the list, so you will only need to click the appropriate button). Next, the buyer will see a window for logging into the PayPal account.
After specifying the login and password, the system will redirect the user to the payment page, where it will be necessary to specify the payment details. It may be a linked card, but it is not a requirement. You can specify other details and confirm the payment.
In addition to paying for purchases, the user can make money transfers within the system. To do this, you only need to know the person's email address. It is not necessary for the receiving party to have an account at the time of sending the funds. He will receive a notification of the transfer by e-mail, after which he will be able to register under it and receive money.
What is PayPal and how to use it - figured out, in order to withdraw funds, you will need to link a bank account, since the system only works that way. The bank account is linked within (approximately) a week. During this time, the account receives 2 small amounts from the PayPal account. The exact amount of the transfer is a confirmation of the use of this account. After binding, it will be possible to withdraw the required amount within about 3-5 more days.
For citizens who want to speed up the process of withdrawing money, it is recommended to use the services of exchange offices. At the same time, funds are exchanged from Paypal to WebMoney, Qiwi and Yandex.Money, from where you can withdraw money using your own methods. Although this method will save a lot of output time, it is very expensive. Exchange offices take a commission for their services, which is up to 12% of the transferred amount. In addition, the payment systems to which the money will be transferred can have their own commission for withdrawing money.
It does not take much time to register or log in to PayPal (or PayPal) - the procedure is simple and understandable even for a beginner. PayPal is an electronic payment system that allows you to transfer money to others and is the main payment tool for eBay auctions. The main difference from other similar payment systems is the absence of transfer fees for the buyer, as well as the ability to return the funds paid for the goods within 45 days.
PayPal is suitable for purchasing goods in online stores and transferring funds from an electronic wallet, since these services are provided free of charge. To enter the system, you only need to register and enter the minimum information. If you need to sign in to PayPal and have already registered, you should skip this section.
The wallet starts up for free, so more than 179 million people around the world actively use this payment service. Before the initial entry PayPal registration required. To do this, open the Russian version at www.paypal.com/ru/ and click on the "Register" button in the center of the page or in the upper right corner (wherever it is more convenient):
When using for non-commercial purposes, you should select "Personal account" and continue registration.
The registration process consists of two steps:
After filling out, you should confirm your age and read the user agreement and privacy policy by reading them via active links.
The system will automatically suggest - this procedure is not the main one and you can skip it to enter your personal account by clicking on the PayPal icon in the upper left corner. 
For previously registered customers, it is enough for home page in the upper right corner, click on the “Login” button and enter your username and password in the form that opens.
After logging into your personal account, PayPal is ready to use.
In conclusion, we note that it is possible to receive funds and make payments only after. To do this, you need to follow the link that is sent automatically to the address specified during registration. Mailbox. You can use PayPal both from a PC and through mobile application. It is enough to install it on your phone and enter your username and password.
Created in 1998 by former lawyer and financier Peter Thiel and programmer Max Levchin (by the way, a native of the USSR, who emigrated to Chicago in 1991). Thiel and Levchin's project immediately interested investors: for example, Nokia Ventures immediately invested $3 million in the project, and Deutsche Bank - $1.5 million. needed a financial operator that would perform the functions of an online bank, and there were no such structures on the Internet yet.
PayPal went live in November 1999 and was immediately able to attract even more investors, including banks, which invested $23 million in PayPal. The rapid growth of the Internet led to a large influx of users. Behind a short time PayPal now has over 1.5 million customers and a turnover of $2 million a day!
In early 2002, $900 million worth of PayPal shares were floated on the US stock market. In October 2002, eBay acquired PayPal for $1.5 billion and announced it as its underlying payment instrument. Today, PayPal is the undisputed leader in its field, and none of the competitors could even come close to the number of users and turnover that it operates with. More than 90% of online merchants worldwide accept payment for their goods only through Paypal.
PayPal Inc. is licensed by regulatory authorities for banks and financial institutions in 29 US states. User accounts in the system are denominated in US dollars and are insured by SafeWeb Insurance against unauthorized withdrawal of money in the amount of 100,000 US dollars. User funds deposited into the system are held in Wells Fargo bank accounts.
Registration in PayPal for Russians was opened only in 2006, and Russians were able to fully use the system, including receiving money and withdrawing it to a card or bank account, only in 2013.
Some time ago, PayPal added support for new currencies. In addition to US Dollars, Australian Dollars, Euros, Pounds Sterling, Canadian Dollars, Japanese Yen and Chinese Yuan, the service now handles Czech Koruna, Danish Krone, Hong Kong Dollar, Hungarian Forint, New Zealand Dollar, Polish Zloty, Norwegian Krone, Singapore Dollar, Swedish Krona and the Swiss franc. The project website has a multilingual platform that supports the following languages: English, Spanish, French, Chinese (!) and, which is especially nice, for some time now also Russian.
The Paypal payment system is significantly different from other electronic payment services in that it deals with real money, and not "title units". Paypal offers a financial instrument by which a plastic credit card or bank account is linked to the user's Paypal account, so that at any time you can directly replenish your balance in the system or withdraw money from it.
Paypal has revolutionized the world mobile technology, making instant payments a reality using a mobile phone (Paypal Mobile Payments). Users who have connected this service can make payments via SMS without even going to the Paypal website. To do this, just send a text like "Send $20 to [user ID]" to the specified number, dial the confirmation code, and the payment will be sent immediately. However, this happiness is currently available only to residents of the United States.
Along with the undeniable advantages, PayPal also has disadvantages associated, admittedly, with the conscientious work of the system's security service. One of the inconveniences associated with this concerns us directly: the Russians are left to look at many of its charms from the outside, since Russian users cannot use its services in full. True, on October 12, 2011, there was, without exaggeration, a huge breakthrough in PayPal relations: if earlier Russians could only pay for purchases and services through PayPal (at an eBay auction, in online stores, services of hosting companies, etc.), now in Russia it is allowed to accept payments. However, Russians are not yet allowed to withdraw them from the system: they can only be spent on online purchases. However, if you, being a citizen of Russia, have a bank account in the United States, then you can transfer money to a card.
“The fact that Russians are subject to restrictions on accepting PayPal payments speaks to the ongoing fear of massive fraud. Our users need to be prepared for the security policy of this company, which allows them to block accounts without formal reasons and explanations,” Petr Darakhvelidze, director of external relations of the WebMoney payment system, commented on this fact for CNews. The list of countries that are our comrades in misfortune and countries that are "lucky" can be found on this page. It must be said that it is difficult to expect a different attitude towards Russians, if almost every new topic with a question about Paypal on any Russian-speaking forum contains a question in whose name to register an account - on your own or on Aunt Rosa from Brazil.
The system is generally known for a series of scandals related to blocking funds on customer accounts or simply freezing accounts if system administrators suspect that the account does not belong to the user. Angry customers even created websites www.paypalsucks.com And www.paypalwarning.com. They house the so-called "Wall Of Shame", which contains "horror stories" told by those who suffered from PayPal. In defense of Paypal, we can say that not a single EPS, except for it, can boast of such an extensive user audience, and the larger the customer base, the greater the absolute number of dissatisfied, and no one keeps such statistics in percentage terms. In addition, the burden of leadership in an industry is heavy on any company when every mistake and miscalculation is made public and dealt with with increased scrutiny.
The reason for such a picky attitude towards customers lies in the fact that the main pillar of PayPal's existence is account security. He helped the company survive for many years. And one of the tools PayPal Security- Clause II.3 of the User Agreement, which reads:
“You agree to provide true, accurate and complete registration information... You agree not to represent any other person or use a name that you are not authorized to use. If any of the information you provide is found to be untrue, inaccurate, inconsistent, or incomplete, PayPal has the right (but is not limited to) to terminate your use of the PayPal services. And PayPal, its agents, suppliers and contractors have the right to require you to pay all costs and losses arising directly or indirectly from inaccurate or incomplete information.
If we study in more detail the complaints about blocking accounts with thousands of dollars on them, then in many cases it turns out that users voluntarily or unwittingly violated these clauses of the User Agreement.
* Sending payment (Send Money). A PayPal user can transfer a certain amount from his personal account in the payment system, as well as directly from a bank card or bank account linked to a Paypal account.
*Request for payment (Money Request). Using this type of service, the user can send letters to his debtors containing a request for a payment. You can address your letter to both an individual person and a group of debtors.
* Posting on the tool user website for receiving payments (Web Tools). This service is only available to Premier and Business account holders.
*Auction Tools. The payment system offers two types of services. First, the automatic distribution of requests for payment (Automatic Payment Request). Second, auction winners can pay directly from the Web site where the auction is held (Instant Purchase for Auctions).
The maximum range of services is available to US residents, almost all services are available in Western Europe, China, Australia and Canada. But for many countries of Eastern Europe (which includes Russia, Ukraine, Kazakhstan, etc.), this set is minimal - at the moment, only the first item of the above list is available to us.
PayPal offers three types of accounts:
Personal Accounts;
- Premier Accounts;
- Business accounts.
Registration in the system is a simple process.
The PayPal account is linked to the user's bank card or bank account. The user can receive and transfer money from the funds accumulated on the PayPal account, and if these funds are not available or not enough, then when paying, PayPal charges them from the account or card specified by the user. Thus, when depositing / withdrawing funds, the participation of intermediaries is excluded, and funds can be transferred to the user's bank account at any time.
Until you enter your bank card details in your account, your account is considered unverified (unverified). To become verified, you must first enter your card details on the Paypal website:
Number credit card indicated on the front of your plastic card. It must be entered without spaces.
expiration date- this is the expiration date of the card (Expiration Date). It's usually listed there.
CSC (also called CVV2) - verification code. These are the last 3 digits on the back of the card (4 digits for American Express cards). If there is no number on the card, call your card issuing bank and ask for it.
After the card is added to your account, you can proceed to the verification procedure. Your account will be activated when you enter on the site special code. To do this, you need to fund your Paypal account with a bank transfer or payment from a plastic card. Your credit card will be charged $1.95 as a membership fee, which will be returned to you in 1-4 days, and $1, which is usually returned after 30 days. Thus, the balance of your card before starting the procedure must be at least $2.95.
In the details of this payment, which you can see on your card statement, you will find a 4-digit code that you need to enter on the PayPal website. In addition to issuing transactions, you can find out this code through online banking or by calling the bank's transaction center. After entering the correct code, your account will automatically receive the verified status.
Russians should be aware that due to the prohibition of receiving funds to their Paypal account, they can only operate with card money for payments. Therefore, there will always be zeros on your account balance, no matter how much money is on the card. But this will not prevent you from paying for services and goods in online stores using your card linked to your account.
In Russia, the service of selling prepaid virtual cards for Paypal is now widespread. You can use this service (for example, buy such a card at a QIWI instant service terminal, ) if for some reason you do not want to trust Paypal with your personal card details. Although a number of resources warn that it is not recommended to use such cards. They, they say, may not like the Paypal security service, as they do not allow you to identify the owner. My personal opinion, which I in no way impose on anyone: since the functionality of the accounts of Russians is already non-existent, and there is no need to talk about raising the trust level of your account under the ban on accepting payments, then it’s not at all a pity to lose such an account after making a payment, with provided that there is no money left on it. After that, it is easy to start a new one by linking another virtual card to it. As a measure against such fraud, perhaps, the physical address confirmation system serves, but the address is not a constant value, it can be freely changed even within the same account.
The account number and customer ID in Paypal is his e-mail. You can connect multiple email addresses and get paid for them. One of them is the main one. You can sign in to your account by specifying any of them.
PayPal has the ability to automatically exchange currencies, i.e. if the sender's account is opened in a different currency than the recipient's account, the payment will be converted into the required currency. Internal exchange rates can be found on this page of the Paypal website (authorization required). You can also use my Paypal currency converter. For currency conversion transactions, the system charges a commission of 2.5%. If the exchange rate in the system does not suit you, you can choose the center that performs the conversion, your bank, from the account in which the payment is made. This is done in the section Profile: "My finances -> My pre-approved payments (click "Update") -> Set available funding sources -> Conversion options". Here you need to select the option "Please bill me in the currency indicated on the Seller's invoice."
PayPal's minimum transaction amount is $1 or equivalent.
The Paypal commission does not depend on the type of account and is:
Thus, when buying goods in online stores, Paypal does not charge a single penny of commission fees from the buyer.
$0.30 USD is a flat fee for USD payments.
In addition to these, additional fees may apply depending on the country of the seller or buyer. A table of additional fees is located. To find out the commission for your particular transfer, I recommend using ONLINE COMMISSION CALCULATOR IN THE PAYPAL SYSTEM .
There are limits in the system (for sending and receiving payments, for withdrawing funds from the account balance), which are imposed on Paypal users according to criteria such as country of residence, account type, etc. The limit can be imposed both on a one-time payment and on a monthly turnover. Users from the CIS usually deal with the “Sending Limit”: Paypal does not allow them to transfer an amount greater than $300-500 at a time.
What to do in a situation if, say, you bought a low-quality product and demand a refund from the seller? After all, the seller will not be able to transfer money to your Paypal account. Fortunately, there is a refund mechanism in the system for such a case. The seller can make a refund of either the entire amount you paid ("full refund"), or part of it "partial refund". Money is returned directly to the card within 3-10 banking days. After sending money, the status "Completed" appears opposite the corresponding transaction in the transaction history.
In addition, the system provides for a dispute mechanism ( case ), which is carried out in the section "Resolution Center". The dispute can be opened no later than 45 days from the date of payment. When starting a Dispute, you must fully describe the claims made against your opponent. As soon as you open a "Dispute", the amount you paid on the seller's account is blocked until the circumstances are clarified. Paypal informs the seller that a dispute has been opened for a particular transaction, and invites him to provide his arguments and evidence. If within 7 days the seller does not answer, or you and the seller are not able to solve the problem, then no later than 20 days after the opening of the dispute, transfer it to the category of "Claims" ( Claim ) is a claim for damages. Then Paypal managers will consider the arguments of both parties and decide on a refund.
You can check the status of your dispute in the Paypal Resolution Center.
In case of blocking or theft of your account, its recovery is possible only in the case of a personal contact with the Paypal security service. If you send copies of all requested personal documents, including a copy of completed transactions from your credit card, or confirm the change of your IP address, then the PayPal security service will restore the blocked user account.
There are no protected money transfers in the system. Any measures to confirm transactions or significant actions in the account are also not provided.
The main security measure in Paypal is the denial of service to anonymous clients: they are subject to limits that make working with the system almost impossible. Credit card verification is designed to confirm the identity of the owner of the card being used. The rate of the security service, apparently, is being made on the lack of anonymity and the possibility of involving the state security services in the event of an account being hacked, as well as the strict restriction of access to work by the system of suspicious types like Russians, Ukrainians, etc. Apparently, these measures are quite enough: as stated, the volume of losses of the eBay auction due to fraud is only 0.2% of the amount of transactions (Paypal, I remind you, is the basic payment instrument of eBay).
